Consumer Card

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Learn more about FDIC insurance coverage.

¹Please note that there may be certain changes in digital wallet functionality and other card functionality as a result of your account moving to Capital One. See FAQ for details.

²Claims of unauthorized use are subject to verification and investigation.

³Eligible users who have signed up for CreditWise, a free credit monitoring service provided by Capital One, will get access to their TransUnion® credit report, FICO Score 8, credit monitoring alerts, tools to help them understand their credit, offers, and more. The credit score provided in CreditWise is a FICO Score 8 based on TransUnion data. The FICO Score 8 gives you a good sense of your credit health but it may not be the same score model used by your lender or creditor. In order to enroll in CreditWise, you need to be over the age of 18 with a valid social security number that can be matched to a credit profile with TransUnion. The availability of the CreditWise tool and certain features in the tool depends on our ability to obtain your credit history from TransUnion and whether you have sufficient credit history to generate a FICO Score 8. Some monitoring and alerts may not be available to you if the information you enter at enrollment does not match the information in your credit file at (or you do not have a file at) one or more consumer reporting agencies. You do not need to have a Capital One account (which includes Discover card accounts) to sign up for CreditWise. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

⁴Certain specialized customer service agents may not be available 24/7, and there may be some slight differences between the service offerings you received before your account was moved.

⁵Please note that there may be certain changes in terms of which digital wallets you can add your card to after it moves to Capital One, certain wallet functionality, and the terms that apply to wallets. Capital One will not support any new cards on Garmin Pay or Click to Pay, and it will not support Amazon Palm Pay. If you used Apple Pay for subscriptions, there's a strong possibility you may need to re-add your credit card to Apple wallet to re-establish payment. We recommend you check to be sure. See FAQ for more details.

⁶To create a Capital One online account and enjoy the associated benefits, you must be 18+ and have a valid social security number on file.

⁷Some customers will not be eligible to access a virtual card. If you are eligible, you must verify your identity before accessing your virtual card. In some cases, you may not have access to your full credit line until your physical card is activated. Digital access is needed to manage your virtual card number online or in the app. Virtual cards may not be accepted by all stores. Virtual cards are not available for debit cards and some credit cards. Cardmembers who have enabled virtual card numbers through Google Pay before their account moves to Capital One will be able to access Google Pay virtual card numbers after they log in to the Capital One website or app to verify their identity. During this process, you may temporarily lose access to your Google Pay virtual card numbers.

Web access is needed to use the Capital One app. Check with your service provider for details on specific fees and charges.

The Capital One website may be unavailable during normal maintenance or due to unforeseen circumstances.

Some services available only to primary cardmembers and not authorized users. Primary cardmember is solely responsible for all charges and transactions made by authorized users.

What you can expect

When it’s time, manage your account with Capital One

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